# Stream vs Split Creek Cap

The clearest difference is update cadence: Stream at weekly against Split Creek Cap's every 4 months. Split Creek Cap's advantage is iOS requirement (13.4 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Stream ships an update weekly, Split Creek Cap every 4 months. The most recent releases landed on October 20, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Stream | Split Creek Cap |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (721 ratings)](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637/reviews)** | — |
| Number of ratings | **721** | — |
| Positive reviews | 18.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 4 months |
| Monetization | Free | — |
| Size | 55 MB | 37 MB |
| Requires iOS | 15.0 | **13.4** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Stream Platforms, Inc.](https://appshunter.io/developer/1532222758) | [Split Creek LLC](https://appshunter.io/developer/1639940494) |

## What reviewers say

### Stream

[App page](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637)

Manage your finances with this app that allows you to access earnings early, track spending, save with high interest, and access exclusive discounts. It also offers tools for tax optimization and personalized AI coaching.

**Highlights:** Choose when you get paid, Check shifts and earnings, Save with high interest, Track spending across accounts, Exclusive brand discounts, AI money coach support

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🤙🏼 Lifesaver for bridging paychecks
- 👍🏼 Well worth it
- 💡 Savings feature is great
- 😊 Relieved to access pay early

**What reviewers complain about**

- 😞 No customer service
- 😠 Hidden fees for withdrawals
- 💸 Paychecks not processed on time
- 🚫 App is a mess
- 📉 Fees increase over time

**Reported bugs**

- Account reactivated after deactivation
- App not loading, stuck in loading screen
- App support page not opening
- App freezes on white screen
- Cannot add card for transfer

**Requested features**

- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes


### Split Creek Cap

[App page](https://appshunter.io/ios/app/split-creek-cap/id1639940492)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Stream free?

Stream is free to download, with no in-app purchases.

### Is Split Creek Cap free?

Split Creek Cap is free to download, with no in-app purchases.

### Do Stream or Split Creek Cap have ads?

Neither Stream nor Split Creek Cap shows ads.

### Which is updated more often, Stream or Split Creek Cap?

Stream ships an update weekly, and Split Creek Cap every 4 months. Most recently, Stream was updated on October 20, 2026 and Split Creek Cap on October 13, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*